Compare Cheap Auto Insurance in Wyoming

GEICO has the cheapest average rates for minimum coverage in Wyoming, at only $191 per year, on average. USAA and American National also have affordable rates: $196 per year and $239 per year, respectively.

American National offers the lowest rates for households with teen drivers in Wyoming. The average rate, $2,915, is 39 percent lower than the state average. For teen drivers who are eligible, USAA has the next cheapest average rates at $3,088 per year. State Farm ($4,226 annually) and GEICO ($4,237 annually) also offer below-average rates.

Wyoming drivers with a speeding ticket can find the lowest average rates from USAA (if eligible), at $1,198, and State Farm, at $1,404. Both companies offer rates below the state annual average of $1,920.

At-fault accidents will generally cause your insurance rates to increase, but it’s still possible to find affordable rates. In Wyoming, USAA and State Farm have the lowest average premiums for drivers with an at-fault accident, at $1,309 per year and $1,522 per year, respectively. With an average rate of $1,580, American National is not far behind State Farm.

Drivers in Wyoming who have been convicted of a DUI can find the lowest average rates from American National. At $1,828 annually, on average, this rate is 31 percent lower than the state average of $2,637. USAA ($1,928 annually) also offers competitive rates for military drivers.

Having poor credit can significantly increase insurance rates. In Wyoming, GEICO has the best rates for drivers with low credit, with an average annual premium of $1,811 — 20 percent below the state average. State Farm and Farmers also have below-average rates of $2,060 per year and $2,084 per year, respectively.

State Farm has some of the strongest customer service ratings among widely available auto insurance providers in Wyoming. State Farm also has below-average rates for most driver profiles, making it a solid choice for Wyoming drivers who prioritize the customer experience. USAA also has strong customer service scores, but it is limited to military members, veterans and their families.

• Maintain a clean record. Average auto insurance rates in Wyoming are already low compared with most of the country, and keeping a clean driving record will help you maintain those low rates. Even a violation like a speeding ticket can cause your rates to increase.
• Use bundling discounts. If you’re in the market for (or already have) another type of insurance policy, such as home or renters, get a quote from the same companies you’re considering for auto insurance. Most of the time, buying more than one policy from the same insurer will get you a discount on both.
• Raise your deductibles. Liability coverage doesn’t include a deductible, but there are separate deductibles for comprehensive and collision coverage. If you have these coverage types, increasing your deductibles will lower your premium, but it also means you will pay more out of pocket in the event of a claim. Make sure you can afford to do so. If you’re not sure where to start, a $1,000 deductible often strikes a good balance, but ultimately, it depends on your personal finances.
• Lower your coverage. Reducing your coverage limits or dropping unnecessary coverages will lower your premium, but it will also leave you more financially vulnerable in the event of a claim. Dropping full coverage on an old car may make sense, but weigh changes to your coverage carefully to ensure you’re keeping adequate protection.

Although auto insurance rates are lower than average in Wyoming, they may be higher in certain areas, especially cities. Gillette has the most expensive average rates, at $1,679 per year. That’s 4 percent above the state average but still well below the national average. Casper is a more affordable city, with average auto insurance rates of $1,601 annually.

Wyoming state law requires that residents have at least the following coverage on their auto insurance policy to drive legally:

• Bodily injury liability: $25,000 per person/$50,000 per accident
• Property damage liability: $20,000 per accident⁴

Minimum coverage is better than nothing, but it may not be enough to cover damages if you cause an accident. If you can afford to, it’s a good idea to opt for higher limits. In addition, if you’re insuring a newer vehicle, consider adding full coverage (which your lender likely requires, if it’s a loan or lease).

We analyzed average auto insurance premiums in Wyoming for full and minimum coverage for good drivers with good credit as well as other driver profiles, including those with DUIs, accidents, low credit and teenagers. Full coverage averages use the following limits:

• Bodily injury liability: $100,000 per person/$300,000 per accident
• Property damage liability: $100,000 per accident
• Uninsured and underinsured motorist bodily injury: $100,000 per person/$300,000 per accident
• Comprehensive and collision: $500 deductible